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In 2007 a new law went into effect that required that we FILE a one time simple APPLICATION in order to get the credit. Up to now, the deadline kept getting extended because so many of us still had not filed. But at last we will reach the final deadline on 12/31/2012, and they aren’t going to give the credit anymore for those of us that don’t file.
[tubepress... [Read more of this]

Most people can’t pay cash for a home, even if it is a discounted foreclosure property. That means you need a loan. But, banks don’t want to lend on a home that is not livable. So does that mean you can’t buy distressed properties? Are the deals off limits?
The Federal Housing Administration (FHA) has a loan program just for this... [Read more of this]

It is a simple question with a difficult answer. How low will the bank accept for a short sale offer? As with most things, it depends. First of all, the seller of the property is the owner, not the bank. The seller must accept the offer before the bank will even see it? But, since the seller walks away from the closing without any money going to him,... [Read more of this]

When property values were rising, local governments were loving the new higher property tax assessments that went along with that. Existing homeowners were protected from quickly rising tax bills by the Maryland Homestead Tax Credit. But, new homeowners aren’t immediately protected by the Homestead Tax Credit. Still, at least they know in advance... [Read more of this]